VA Loan Limits in Vermont (2026)
For 2026, the VA county loan limit for most Vermont counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Vermont has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Vermont — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Vermont
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Chittenden County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Rutland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Windsor County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Windham County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Addison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bennington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Caledonia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Orange County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Orleans County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lamoille County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Essex County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Grand Isle County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Vermont's median home price is roughly $400,000. With $0 down and no PMI, an example VA payment near that price is about $3,242/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Vermont
The VA home-loan benefit lets eligible Vermont veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
Never Miss a VA Rate Drop
We track the VA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Vermont for 2026?
- With full entitlement, none. For partial entitlement, most Vermont counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Vermont require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.